Macy's Credit Card
Basic Information
Program ID: macys-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Store Card
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 18:14
Last Scraped: 01/15/2026 18:15
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Rewards Program
Reward Type: Macy's Star Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Macy's (Platinum tier), 2x at Macy's (Gold tier), 1x at Macy's (Silver tier). For Macy's American Express: 2x at Supermarkets, Restaurants, Gas Stations.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Star Money expires 30 days after issuance. Points expire if there is no account activity for 12 months.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Macy's Credit Card (issued by Synchrony) is primarily designed for use at Macy's stores and macys.com. Eligibility requirements for 2026 are expected to remain consistent with current standards: applicants must be at least 18 years old (19 in AL/NE), possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and be a U.S. resident. Approval is subject to creditworthiness, with Synchrony typically performing a soft pull initially, followed by a hard pull upon acceptance. The primary 'bonus rule' for new applicants is generally an initial discount (e.g., 20% off) on purchases made on the day of approval or within a short introductory period, up to a maximum dollar amount. Store-specific restrictions apply, meaning benefits and promotions are almost exclusively tied to Macy's purchases.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: The initial discount offer is typically applied to purchases made on the day of account opening or within the first 1-2 days, rather than a traditional spend interval over several months.
Shutdown Risk Triggers: Common triggers for Synchrony account review or shutdown include: high cumulative credit limits across multiple Synchrony accounts, excessive returns relative to purchases, suspected fraudulent activity, failure to make timely payments, abuse of promotional offers, or significant changes in credit profile indicating increased risk. While manufactured spending is less common for a store card, any attempt to exploit system loopholes could also be a trigger.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Excellent rewards and discounts for frequent Macy's shoppers, easy to get approved, special financing options available.
Top Negative Feedback:
High interest rates, limited use outside Macy's, mixed customer service experiences, frequent credit limit increases without request.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Cash Back
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 2023-10-01